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Section 75 and Small Claims Court
I need to make a couple of section 75 claims after being victim to a scam. I've never done this before, and everything i read suggests quite a long drawn out processs whereby the CC company eventually make a decision then if customer doesn't like it they can go to the omburdsman. But why cannot I just give them 28 days and…
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Company credit card as member of staff
Quick question, my new employer is to provide s company credit card - will I get credit checked ? I have 2 x CCJ’s so I’m concerned that I’ll get refused and even lose my new job.
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Fees query
Hi, I've been transferring my credit balance on and off for years to zero percent cards. Usually I go for the ones with zero percent on purchases as well. My latest balance transfer was 2 years at zero percent and 18 months on purchases. I assumed as long as I didn't make any purchases after 18 months then I wouldn't incur…
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Balance Transfer Nightmare
Hi all. Kind of new to this so apologies in advance. I work full time, no dependants, no ccj's, no missed payments at all, and a mortgage. I have a cap1 card with just over £2k balance and a fluid with nearly £4k balance. I have been receiving persistent debt letters from fluid as I am only paying the minimum. I have…
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Cashplus Credit Card - Accepted But Account Under Review/ Further Docs. Required.
Hi, I was wondering if anyone had any experience of the same thing I am experiencing with Cash Plus?......... I was accepted via a pre-approval offer and have documentation telling me that I have a £750.00 credit limt. My card has arrived and the pin and I activated the card in the app which said I could use it within 15…
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HSBC 0% No Fee Credit Card - September 2023
Hi, Does anyone have the details of the HSBC 0% No Fee 16 months Balance Transfer Card offer that was on this site a few weeks ago. I might be going mad but i'm sure it was No fee on balance transfers, but with a shorter term. I made a transfer yesterday and i'm sure the app said no fee, but today i've tried another and…
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Section 75 on Credit Card
Hi All, Does you know whether the Section 75 covers Business Credit Cards or just personal ones? I thought it did but im being told by my credit card provider that they won't as its a business credit card. Thanks again, D
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Amex Annual Fees no longer pro-rata refundable from October
Worth signposting this as it's something I've advised forum users of previously: No more pro-rata fee refunds for American Express cardholders (headforpoints.com) Changes the game significantly for frequent churners like myself, and not for the better (unless the sign up bonuses improve).
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MBNA - Balance Transfer and Purchases - Warning!
I try to keep myself money saving fit and minimise any interest payable. I have transferred a balance over to an MBNA credit card at 0% - well done me! However, I still have credit on this card, and there is cashback for purchases, so I recently used it for a purchase. Now, with Sainsbury's credit card, if I pay that…
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Beware automatic fraud checks if going abroad, especially on a cruise
On the 17th June I boarded the Sky Princess cruise ship at
Southampton. I had pre-registered my Halifax credit card to pay my account automatically at
the end of the cruise, which is normal practice. Also, I had made several payments with that card to Princess Cruises in the
weeks prior to the cruise for excursions, etc.…
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Very Catalogue Credit Limit
Not Credit Cards but Catalogue Credit Account. Can someone explain the logic behind this... I built up a £1800 balance with a £2150 limit which was then raised to £2850. When i got my lump sum i paid all my debts and mortgage off and am completely debt free. This also included clearing my catalogue debt of £1800. I just…
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HSBC Refund of Interest on a balance transfer offer
I have received a letter from HSBC regarding an apparent refund of overpaid interest on a balance transfer on a John Lewis Credit Card between 2016 and 2020. I returned the letter in reply paid envelope. No money received and all attempts to contact HSBC lead me absolutely nowhere. Does anyone have a good contact address…
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Halifax Clarity Mastercard credit card statement for September
Usually my statement date is 16th every month. However, I cannot see the September statement within the Halifax Bank App. Haven't tried online banking yet. But it has been available via App like clockwork. August 2023 statement is the latest I can see within App. Anyone experiencing the same> Edit: It's fine. I logged in…
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Payment to Barclaycard missing
Has anyone ever had any issues with faster payments to Barclaycard not processing in the usual 2 hours? I made a large payment yesterday via bank transfer, it’s not reflecting in my credit card available balance. My bank confirmed no block on the payment and it left the account to the correct sort code, account and…
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Lloyds Credit Card Complaint Email
Long story, I had 3 fraudulent transactions on my card last week whilst on holiday. The advisor told me to destroy my card which I did and then transpired it was my wifes that had been used. Anyway new cards came by the time we got home but this week the transactions have appeared again due to the fact that the advisor…
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Aqua rate 51.40% Help - advice needed please
Hi, I've had my Aqua credit card for a 9 month promo period and was going well. I had an unexpected car bill so used a freshly paid off other card (Capital One). I am usually really good with my cards but somehow I have taken my eye off the ball completely and got a text message a few days ago stating the promo offer will…
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Credit Card Statistics
Here is an interesting article:https://www.money.co.uk/credit-cards/credit-card-statisticsI make my day to day payments by credit card, and pay it off in full every month by Direct Debit. Interest free credit and a single bill each month. That is not what most people do. A big majority of card users pay by debit card, and…
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Best advice whether to sell property to clear debt
Hi all I know this might seem like a personal decision but I think it's always handy to hear other peoples opinions. My husband has a property that he rents out. We live together in my property. These have been kept separately. I don't want to get into the whole if we divorce business as hopefully it'll never happen. He…
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More than one credit credit
Opinions needed. After clearing two credit card balances. I have felt they have been a burden and an easy way to spend money I haven’t had. Saying that is it wise to keep one for emergencies or for credit rating?
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Most appropriate credit card
Hi all, I'm looking to get a credit card. I plan to use it just to pay for fuel in my car (which I normally do monthly) and then pay it straight off. I have a really good credit score but the only thing I have against me is that I don't have a credit card. I've never had one before so do I go for a rewards car or just a…